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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $77,035 | $95,979-19.7% | $74,551+3.3% | $135,380-43.1% |
| Participation rate | 43.8% | 75.7%-31.9pp | 69.1%-25.4pp | 82.6%-38.9pp |
| Annual return | -8.84% | 56.97%-65.8pp | 32.53%-41.4pp | 519.81%-528.6pp |
| Employer contribution / active EE | $1,483 | $2,716-45.4% | $1,961-24.4% | $4,779-69.0% |
| Participant deferral / active EE | $2,022 | $3,844-47.4% | $3,108-34.9% | $5,609-63.9% |
| Admin fee / account holder | $2,950 | $6,522-54.8% | $5,059-41.7% | $10,828-72.8% |